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by Lootman
September 21st, 2018, 9:06 pm
Forum: Polite Discussions
Topic: US Supreme Court judge (but not about Kavanaugh!)
Replies: 4
Views: 98

Re: US Supreme Court judge (but not about Kavanaugh!)

To pick just a couple of examples, the founding fathers would never have envisaged the idea of women voting, having any kind of equality or forging their own careers. They were clearly white-supremacists, as they had a clause about enslaved blacks counting for three-fifths of "real" peopl...
by Lootman
September 21st, 2018, 2:32 pm
Forum: High Yield Shares & Strategies - general
Topic: Unilever restructuring - buying opportunity
Replies: 7
Views: 474

Re: Unilever restructuring - buying opportunity

I personally am not going to try to react to it - that's because the market will have massive numbers of participants trying to read it similarly, many of them with far more resources than me! I do sometimes try to get to grips with the question of what the market in a particular share is doing, bu...
by Lootman
September 21st, 2018, 2:10 pm
Forum: Polite Discussions
Topic: US Supreme Court judge (but not about Kavanaugh!)
Replies: 4
Views: 98

Re: US Supreme Court judge (but not about Kavanaugh!)

I have sympathies for Thomas. On the occasions when I have spoken publicly, I always ask for people not to ask questions until the end, and for two reasons. Firstly it interrupts my flow and distracts me. Secondly, in many cases, I will be covering the answer later in the talk. There is one particul...
by Lootman
September 21st, 2018, 1:58 pm
Forum: Computers, TVs & Phones
Topic: NatWest problems
Replies: 7
Views: 149

Re: NatWest problems

I keep multiple accounts with different banks to massively reduce the risk of being caught without access to funds when these events happen - something I expect will get more, rather than less, frequent. I can see the merit of having two accounts. In fact I have two myself, and for that reason. But...
by Lootman
September 21st, 2018, 1:47 pm
Forum: Beerpig's Snug
Topic: Stonehenge
Replies: 6
Views: 219

Re: Stonehenge

Howyoudoin wrote: Stonehenge is an enormous disappointment. It costs over £50 to visit Stonehenge, if you travel from London.

There is a perfectly acceptable view of Stonehenge from the A303. It's about as close to the stones as the visitor centre is.
by Lootman
September 20th, 2018, 8:21 pm
Forum: Beerpig's Snug
Topic: Racist?
Replies: 27
Views: 489

Re: Racist?

gender-fluid. I must be getting old - what is gender fluidity? Surely one is either male or female as a consequence of their genitalia. No, it is considered suspect to define gender these days in terms of biology. The over-riding factor is how you choose to identify. So in the case of someone who i...
by Lootman
September 20th, 2018, 3:46 pm
Forum: Beerpig's Snug
Topic: Racist?
Replies: 27
Views: 489

Re: Racist?

Yes, I also think it odd that "people of colour" is the preferred term whilst "coloured people" is considered offensive When I was a child, I’d have been ticked off for saying “black” in this context. “Coloured” would have been considered more polite. This would have been when b...
by Lootman
September 20th, 2018, 2:45 pm
Forum: Beerpig's Snug
Topic: Racist?
Replies: 27
Views: 489

Re: Racist?

A word to the wise. "Coloured" is not a terribly PC word these days. Although it's marginally less absurd than "people of color" Yes, I also think it odd that "people of colour" is the preferred term whilst "coloured people" is considered offensive. I avoid t...
by Lootman
September 20th, 2018, 12:43 am
Forum: Beerpig's Snug
Topic: Whiter than White
Replies: 10
Views: 331

Re: Whiter than White

'Play the white man' is even for an ex colonial like me, beyond the pale. It may have been acceptable in Malaya in 1949 but is no longer. It's not a phrase that was ever very common. But I certainly heard it used in the workplace and elsewhere up to the late 1980s or so. At that time it wasn't much...
by Lootman
September 19th, 2018, 11:47 pm
Forum: Beerpig's Snug
Topic: Whiter than White
Replies: 10
Views: 331

Re: Whiter than White

At least he did not use the expression "play the white man" when suggesting an honourable course of action. That phrase seems to have gone out of fashion.

"Niggardly" is apparently not PC either, even though the meaning is completely different from the word it sounds like.
by Lootman
September 19th, 2018, 7:47 pm
Forum: Polite Discussions
Topic: Bus Driver Age restrictions?
Replies: 20
Views: 277

Re: Bus Driver Age restrictions?

I was surprised as the apparently slack manner in which the vision test was carried out. It consisted of reading letters on an A4 sheet of paper held up about 15 feet away, covering one eye and then the other. It would have been very easy to cheat, must be a temptation if your job depends on passin...
by Lootman
September 19th, 2018, 5:37 pm
Forum: Investment Trusts and Unit Trusts
Topic: Smithson: new Fundsmith Investment Trust to launch
Replies: 58
Views: 3581

Re: Smithson: new Fundsmith Investment Trust to launch

"the Company reserves the right, at its sole discretion, but following agreement with Investec, to scale back applications in such amounts as it considers appropriate. The Company reserves the right to decline in whole or in part any application for Ordinary Shares pursuant to the Initial Issu...
by Lootman
September 19th, 2018, 5:30 pm
Forum: Bitter Lemons
Topic: I didn't like the result. Let's do it again
Replies: 11
Views: 263

Re: I didn't like the result. Let's do it again

One vote between a status quo and a blank canvas. Another choice between a status quo and a bunch of other unappetising options. It's the same thing. Leave versus Remain is a simple binary choice that everyone could understand. The exact nature of how we leave was something we all understood as det...
by Lootman
September 19th, 2018, 4:35 pm
Forum: Bitter Lemons
Topic: I didn't like the result. Let's do it again
Replies: 11
Views: 263

Re: I didn't like the result. Let's do it again

The only fair way to do a second vote would be to not have "Remain" as an option at all, The only fair way to conduct the next election is to disqualify the Tories altogether. They didn't win, so we should next get a choice from among the winner, namely all-other-options. That is a bogus ...
by Lootman
September 19th, 2018, 4:19 pm
Forum: Bitter Lemons
Topic: I didn't like the result. Let's do it again
Replies: 11
Views: 263

Re: I didn't like the result. Let's do it again

The only fair way to do a second vote would be to not have "Remain" as an option at all, and make it a straight choice between leaving with whatever deal gets thrashed out OR leave with no deal. To give Remain a second shot when Leave would not have been given a second shot would be a gros...
by Lootman
September 19th, 2018, 4:14 pm
Forum: Investment Trusts and Unit Trusts
Topic: Smithson: new Fundsmith Investment Trust to launch
Replies: 58
Views: 3581

Re: Smithson: new Fundsmith Investment Trust to launch

I have just applied via ATS. It seems to have worked like clockwork. I also have an account with II but having read the above I did not even try. I would imagine it will be very popular so I hope I do not get scaled back. I am expecting early closure. Less fuss and work for them than a scale down, ...
by Lootman
September 19th, 2018, 3:28 pm
Forum: Mining & Metals
Topic: Buy/Sell/Hold
Replies: 6
Views: 874

Re: Buy/Sell/Hold

For those who choose to hold gold, - do you hold it through an ETF such as GLD or through a gold miner such as Rangold resources? I use GDX which is an ETF of all the major North American gold miners. And Silver Wheaton which is a proxy for silver. In both cases I use options and try and use the vo...
by Lootman
September 19th, 2018, 3:10 pm
Forum: Pensions - Practical Problems
Topic: Are voluntary NI contributions a no-brainer?
Replies: 25
Views: 964

Re: Are voluntary NI contributions a no-brainer?

my assessment of the current and future fiscal/political situation is that pressure will grow to reduce pension benefits or increase the cost of contributions or both i.e. perhaps now is as good as it gets for contribution vs return. Is that far off-beam? The government has a choice between further...
by Lootman
September 18th, 2018, 5:12 pm
Forum: Passive Investing
Topic: ETFs versus ETNs
Replies: 0
Views: 137

ETFs versus ETNs

Ten years on from Lehman's collapse, this article summarises the problems with exchange-traded notes. Although they sound and act a lot like ETFs they are in fact quite different, most significantly in that they do not hold assets. They are in fact credit issues whose return is determined by the per...
by Lootman
September 18th, 2018, 4:54 pm
Forum: Investment Trusts and Unit Trusts
Topic: Having a crack at an Investment Trust Portfolio to live on in old age
Replies: 37
Views: 1652

Re: Having a crack at an Investment Trust Portfolio to live on in old age

L=Sector||Code||Name||Price||Last Actual Nav||NAV Date||Discount||Holding %age||Yield L=Asia-Pacific ex-Japan Equity||HFEL||Henderson Far East Income||£3.48||351.8||14/09/2018||-1.09%||6||6.13% L=Asia ex Japan Equity||SST||Scottish Oriental Smaller Companies||£9.56||1117.98||14/09/2018||-16.94%||6|...

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